Anjoy Credit

Compare all 2 products from Anjoy Credit in Kenya. Borrow up to Ksh 75,000.

Ksh 75,000

Max Amount

Within minutes to 24 hours

Fastest Disbursement

Total Products

Fast Loans

Product	Rate	Amount	Turnaround
Anjoy Credit Quick Loan	N/A	Ksh 500 - Ksh 75,000	Within minutes to 24 hours	Apply
Anjoy Credit Quick Loan	N/A	Ksh 500 - Ksh 75,000	Within minutes to 24 hours	Apply

View all Fast Loans→

Anjoy Credit Pros & Cons

+Pros

✓CBK-regulated and licensed, answerable to the Central Bank
✓Local Kenyan customer-service team
✓Available across Kenya, not just Nairobi
✓Strong data-privacy posture under Kenya DPA 2019

-Cons

✗Initial KYC process takes longer than app-only rivals
✗Customer service hours limited to Mon-Fri

Eligibility Requirements

Minimum Income (Lowest)

Ksh 0

CRB Check Required

Not required

Employment Types Accepted

Any

Required Documents (across all products)

●National ID
●Smartphone with internet
●M-Pesa account

Expert Analysis

Anjoy Credit is a CBK-licensed Digital Credit Provider, licensed in 2023 under Kenya's 2022 DCP Regulations. Loans run from KES 500 to KES 75,000 with repayment terms of 30-60 days. Disbursement is via M-Pesa, Bank transfer or Airtel Money - within minutes to 24 hours. Rates are not published upfront: pricing tiers by CRB band, loan size, and repayment history, and the full total cost of credit is disclosed before acceptance per CBK's Digital Credit Provider rules. Fees: processing fee varies by loan size and tier; no early-repayment penalty.

Frequently Asked Questions

What loan amounts are available from Anjoy Credit?

Anjoy Credit offers loan amounts from Ksh 500 up to Ksh 75,000 depending on the product and your eligibility.

How fast does Anjoy Credit disburse loans?

The fastest disbursement time from Anjoy Credit is Within minutes to 24 hours. Actual processing time varies by product type and application completeness.

Does Anjoy Credit require CRB clearance?

Anjoy Credit does not strictly require CRB clearance for all products. Some products may be available without a CRB check, though having a clean credit record is always beneficial.